The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$149,318
−HK$9,364/mo
▼ 0.25% · 3.875%
HK$153,963
−HK$4,719/mo
Today · 4.125%
HK$158,682
baseline
▲ 0.50% · 4.625%
HK$168,337
+HK$9,655/mo
Deposit HK$32.74M · loan HK$32.74M · min. income ≈ HK$317,364/mo (50% DSR)
Upfront cash ≈ HK$35.52M (deposit + AVD stamp duty HK$2,783,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,115
−HK$8,975/mo
▼ 0.25% · 3.875%
HK$170,570
−HK$4,520/mo
Today · 4.125%
HK$175,090
baseline
▲ 0.50% · 4.625%
HK$184,319
+HK$9,229/mo
Deposit HK$32.74M · loan HK$32.74M · min. income ≈ HK$350,180/mo (50% DSR)
Upfront cash ≈ HK$35.52M (deposit + AVD stamp duty HK$2,783,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,182
−HK$11,236/mo
▼ 0.25% · 3.875%
HK$184,756
−HK$5,662/mo
Today · 4.125%
HK$190,418
baseline
▲ 0.50% · 4.625%
HK$202,005
+HK$11,587/mo
Deposit HK$26.19M · loan HK$39.29M · min. income ≈ HK$380,836/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$2,783,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,338
−HK$10,770/mo
▼ 0.25% · 3.875%
HK$204,684
−HK$5,424/mo
Today · 4.125%
HK$210,108
baseline
▲ 0.50% · 4.625%
HK$221,183
+HK$11,075/mo
Deposit HK$26.19M · loan HK$39.29M · min. income ≈ HK$420,216/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$2,783,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,046
−HK$13,109/mo
▼ 0.25% · 3.875%
HK$215,548
−HK$6,607/mo
Today · 4.125%
HK$222,155
baseline
▲ 0.50% · 4.625%
HK$235,672
+HK$13,517/mo
Deposit HK$19.64M · loan HK$45.84M · min. income ≈ HK$444,310/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,783,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,561
−HK$12,565/mo
▼ 0.25% · 3.875%
HK$238,798
−HK$6,328/mo
Today · 4.125%
HK$245,126
baseline
▲ 0.50% · 4.625%
HK$258,047
+HK$12,921/mo
Deposit HK$19.64M · loan HK$45.84M · min. income ≈ HK$490,252/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$2,783,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,773
−HK$16,855/mo
▼ 0.25% · 3.875%
HK$277,133
−HK$8,495/mo
Today · 4.125%
HK$285,628
baseline
▲ 0.50% · 4.625%
HK$303,007
+HK$17,379/mo
Deposit HK$6.55M · loan HK$58.93M · min. income ≈ HK$571,256/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$2,783,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$299,007
−HK$16,155/mo
▼ 0.25% · 3.875%
HK$307,027
−HK$8,135/mo
Today · 4.125%
HK$315,162
baseline
▲ 0.50% · 4.625%
HK$331,774
+HK$16,612/mo
Deposit HK$6.55M · loan HK$58.93M · min. income ≈ HK$630,324/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$2,783,035 · Scale 2, in force from 26 Feb 2026)